Protect Your Retirement: Secure Your Future Care Needs & Savings.
The cost of assisted living or in-home care can wipe out decades of savings. We provide clear, affordable Long-Term Care Insurance to ensure your retirement funds are safe for your future.
Covers Home Care Costs
Funds Assisted Living
Protects Retirement Savings.
Maintain Independence
Secure Your Dignity Protect Your Assets — Get the Care You Need Without Draining Savings.
Long-Term Care Insurance is protection for your future self. It pays for daily assistance when you can no longer perform simple tasks, ensuring you receive quality care at home or in a facility without placing the financial and emotional burden on your children.
Asset Protection That Secures Your Legacy
Don't let the high cost of future care steal your life savings or burden your children with financial stress.
🏡 Home Care Coverage
In-Home Nurses & Aides. Receive daily cash benefits to pay for professional care and assistance right in the comfort of your own home.
🏨 Facility
Care Costs
Assisted Living & Nursing Homes. Coverage helps pay for the astronomical monthly costs of institutionalized care when needed.
💸 Protect
Your Savings
Preserve Your Wealth. Ensure your retirement funds, 401(k)s, and inheritances stay intact for your spouse and children, not for care expenses.
Why Families Trust Glenn Castillo
We Understand: Planning for future care is Planning for Your Freedom. We help middle-aged and senior clients design coverage that provides the Maximum Daily Benefit to maintain their independence without running out of money. Our Promise: Clear rate explanations, Flexible benefit periods, and a policy that secures your financial dignity.
Why Retirees and Planners Trust Glenn Castillo
Medicare and private health insurance do not cover most long-term care needs. We focus on securing your future with a plan that bridges this massive gap. We design coverage that protects your assets from the runaway costs of care, ensuring your money lasts your lifetime. We don't just sell insurance; we secure retirement.
Long-Term Care Specialists
Flexible, Transparent Premiums
Easy, Clear Application
Guaranteed Future Care
Protecting your retirement from care costs is simple. Here is how we work:
Get The Right Long-Term Care Plan to secure your future.
Securing your safety is simple and fast. Here is how we work:
Quick Application
Apply in just a few minutes. Get protected faster than ever.
Personalized Quote
See your Daily Benefit Amount and premium right away — no waiting for estimates.
Customize Your Plan
Select the inflation rider and benefit period that best preserves your wealth and fits your budget.
Affordable Asset Protection
Protection that works by paying for your care, so your savings can pay for your retirement.
THOUSANDS OF PLANNERS HAVE ALREADY CHOSEN TO PROTECT THEIR RETIREMENT.
LONG-TERM CARE INSURANCE IS CRUCIAL FOR SECURING YOUR FUTURE INDEPENDENCE. DON'T WAIT UNTIL IT'S TOO LATE. LOCK IN YOUR HEALTH AND AGE RATINGS TODAY FOR THE LOWEST PREMIUMS.
Protect Your 401(k)
Lock In Health Rates
Tax-Free Care Benefit
Dedicated US Support
Who's This Perfect For
Pre-retirees (55–70
Retirees on fixed income
Homeowners with equity
Adult children concerned about parental burden
People with family history of chronic illness
Those with limited long-term care coverage (Medicare/Gov’t gaps)
STILL NOT SURE?
Frequently Asked Questions
Find answers to our most frequently asked questions here.
❓ What does Long-Term Care (LTC) Insurance cover?
Daily care costs when you can’t perform Activities of Daily Living (ADLs) — e.g., bathing, dressing, eating — or require cognitive care. Pays for in-home care, assisted living, and nursing facility care per your policy’s daily benefit.
❓ Will Medicare or my health insurance pay for long-term care?
No. Medicare and most private health plans generally do not cover long-term custodial care. LTC insurance is designed specifically to cover those costs.
❓ How is benefit paid? Daily or lump sum?
Most policies pay a daily or monthly cash benefit up to your selected limit. You control how to spend it (care, aides, facility, travel, home modifications).
❓ When do benefits start?
Benefits typically start after you meet the policy’s eligibility criteria (usually inability to perform a set number of ADLs) and any policy elimination (waiting) period you selected.
❓ What is an elimination period?
A waiting period (e.g., 30–90 days) you choose before benefits begin. Longer elimination = lower premium.
❓ Can I add inflation protection?
Yes. An inflation rider increases your daily benefit over time to keep pace with rising care costs. Recommended if you expect use years from issue.
❓ How long do benefits last?
Benefit periods vary — common options: 2, 3, 5 years, or lifetime. Choose based on assets you want to protect and premium budget.
❓ Do I need a medical exam?
Underwriting varies. Many carriers require health questions and medical records review; some use exams. Earlier purchase usually means easier approval and lower rates.
❓ Will premiums increase?
Premiums can increase for some products. Choose carriers with strong ratings and guaranteed-renewable policies; consider locked-premium or hybrid LTC options to limit surprises.
❓ What are hybrid LTC policies?
Hybrid (life + LTC or annuity + LTC) combines an insurance or cash account with LTC access—often simpler underwriting, potential return of premium, and protection against premium hikes
❓ When should I buy LTC insurance?
Buy while healthy and before age/health changes raise rates. Typical sweet spot: mid-50s to early-60s, depending on budget and family health history.
❓ How do I pick the right daily benefit?
Estimate local care costs (in-home aide vs. nursing facility), factor inflation, and choose a benefit period that preserves the assets you value (401(k), home equity, inheritance).
❓ Who should I call with questions or to proceed?
Use your licensed specialist to review quotes, riders, and carrier strength. Ask specifically about claims history, financial ratings, and contract guarantees
Protect Your Retirement Today. Ensure Financial Independence.
Glenn Castillo The Smarter Way to Pay for Care Without Draining Your Savings.
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Partner with 30 years of proven financial expertise and a legacy of results. Led by Managing Partner Glenn V. Castillo—a trusted industry "Team Builder" featured on ABC, NBC, CBS, and FOX—Castillo Financial Group (CFG) provides the high-level strategy and clarity you need to thrive in today’s complex economy. Secure your future by connecting with a team built on Trust and Knowledge; fill out the form below to start your journey with a partner who delivers results.
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